Advanced International Journal of Multidisciplinary Research

E-ISSN: 2584-0487 •   Impact Factor: 9.11

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Quantum Computing Readiness in Financial Services: Security Implications, Post-Quantum Cryptography and Future Banking Infrastructure

Author(s) M Ravi Kumar
Country India
Abstract Quantum computing represents one of the most significant emerging technological opportunities and cybersecurity challenges for the financial-services industry. Although large-scale, fault-tolerant quantum computers had not been achieved by September 2024, the potential ability of sufficiently powerful quantum computers to compromise widely used public-key cryptographic systems creates a long-term security risk for banks, payment systems, financial markets and central-bank infrastructure. Financial institutions are particularly exposed because they manage large volumes of sensitive information, depend extensively on cryptographic authentication and digital signatures, and operate infrastructure that must remain secure for decades.
This research examines quantum-computing readiness in financial services, focusing on security implications, post-quantum cryptography (PQC), regulatory preparedness and future banking infrastructure.
The present paper states that the financial sector has strong economic incentives to explore quantum technologies while simultaneously facing significant cryptographic risks. The study states that quantum readiness should not be regarded as a future-only cybersecurity project. Financial institutions should begin cryptographic inventories, identify long-lived sensitive data, develop cryptographic agility, test PQC algorithms, modernize legacy infrastructure and establish governance frameworks. A phased migration toward quantum-resistant banking infrastructure is essential to protect confidentiality, authentication, payment integrity and financial stability.
Keywords Quantum Computing, Financial Services, Post-Quantum Cryptography, PQC, Cybersecurity, Quantum Readiness, Cryptography, Digital Banking, Financial Infrastructure.
Discipline Other
Published In Volume 2, Issue 6, November-December 2024
Published On 2024-11-02
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